All day, back and forth to the new Agent in Brandon and get in my Offer into Fannie Mae, after a walk thru with the Broker at the pool home.

In the case of mortgage guys, they just immediately sell your loan to Fannie Mae or Freddie Mac, and the rates are identical, barring a few thousand here or there, and in the case of agents, they all get 3% and give you access to the MLS and do your paperwork for you, nothing more, nothing less.I'd love to hear the points of view of others (except agents and brokers) on why I'm wrong (or right), but either way, I hope that my comments end up helping you in your new endeavors. 

Update:  Fannie Mae was directly asked concerning this scenario, which is ultimately a “No” for either scenario as a primary residence duplex or purchasing the property as two separate homes, one primary, one rental.  

@Nathaniel HernandezOne of the benefits of having a recorded HML on a rental property is Fannie Mae and Freddie Mac do not have a seasoning requirement when they are paying off an existing loan.  

Would appreciate feedback on this deal, how it looks and if there is anything I should do further checking on. 20% Down and Conventional Financing -- Normally conventional Fannie Mae backed loans require 25% down payment for 4 units.

Hey Mark, with regards to your wife being put on loans, if you get your loan through Fannie Mae or Freddie Mac, those loans follow traditional guidelines and the debt and credit of your non-borrowing spouse isn’t factored into the loan.

If the home was going to be an investment property then you could turn to the Fannie Mae HomeStyle renovation mortgage which allows for vacation homes and rental homes.

Your experience with student loan repayment plans is out of date, the options have expanded greatly in the past few years http://www.ibrinfo.org/what.vp.html#IBR and even Freddie Mac & Fannie Mae recognize this http://www.fanniemae.com/portal/media/financial-ne...It's cool to figure out your criteria and I'm glad your screening tenants, but you are making too many assumptions and frankly you are using facts that are not relevant and your assumptions are far from sound.  

Its a Fannie Mae product so you are held to those DTI and LTV standards, but definitely worth looking into as an option to consolidate your debt. 

I just read Fannie is about to change the rules on DTI, maybe this will help you,https://therealdeal.com/2017/06/09/fannie-mae-taking-a-friendlier-approach-to-debts/Did you have to quit-claim the house to an ex?